Summate

Free online calculators to explore savings, loans, budgeting, health and more. Results are for illustration only - not financial advice. Always do your own research.

Savings & investing

See how savings, investments, pensions and emergency funds can grow over time.

Compound Interest

Estimate growth of an investment or savings with compound interest. For illustration only.

Savings Goal

See how much to save each month to reach your target. For illustration only.

Savings Growth

See how much you will have in the future with your current monthly savings. For illustration only.

Rule of 72

Quick estimate: how many years to double your money at a given rate. For illustration only.

Emergency Fund Planner

Plan your emergency fund target and estimate how long it may take to reach it. For illustration only.

Pension Contribution Uplift (UK)

Estimate pension uplift from salary sacrifice, tax/NI savings and employer match assumptions. For illustration only.

Loans & debt

Work out repayments and total cost for loans, mortgages and other borrowing.

Loan / Mortgage Calculator

Estimate monthly repayments for a loan or mortgage. For illustration only.

Debt Payoff (Avalanche vs Snowball)

Compare payoff strategies: highest interest first vs smallest balance first. For illustration only.

Extra Payment Impact

See how extra or lump-sum payments reduce your loan term and total interest. For illustration only.

Mortgage Affordability (UK)

Estimate borrowing and property range using both income multipliers and payment-based affordability. For illustration only.

Everyday & budgeting

Split bills, fuel and EV costs, unit conversion, salary to hourly, take-home pay, and tiered commission.

Split Bill & Tip

Split a bill between people with an optional tip. For illustration only.

Fuel & EV cost

Estimate petrol/diesel or electric cost from distance, economy and price. For illustration only.

Unit Converter

Convert length, mass, speed, temperature and volume; the output list matches the dimension you pick. For illustration only.

Salary to Hourly

Convert between annual salary and hourly rate. For illustration only.

Take-Home Pay (UK)

Estimate UK take-home from gross salary with optional student loan, pension and other deductions. For illustration only.

Tiered Commission

Work out commission when rates change by sales band (marginal tiers). For illustration only.

Health & fitness

Quick body composition and nutrition estimates for everyday planning.

BMI Calculator

Calculate BMI and a healthy weight range from height and weight. For illustration only.

Daily Calorie Needs

Estimate BMR and TDEE from body stats and activity level. For illustration only.

Body Fat Estimate

Estimate body fat percentage from body measurements with the US Navy method. For illustration only.